Cherokee County property record for 976 S Watson Dr, Centre, AL 35960 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Year Built | Built 1985 |
| Square Footage | 1,080 sqft Living Area |
| Lot Size | 27,878 sqft (0.639 acres) |
| Garage | Carport |
| Occupancy | Owner Occupied |
| Tax Bill | $393.00 (2025) |
| Primary APN | 13-14-05-21-1-004-045.000 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,080 sqft Living Area |
|---|---|
| Stories | 1 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1985 |
|---|---|
| Exterior Material | Brick Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 27,878 sqft (0.639 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Carport Garage |
| Carport | Carport |
| Carport Area | 216 sqft Carport |
| Porch | Open Porch |
| Porch Area | 144 sqft Porch |
| Utility Building | 72 sqft Utility Building |
| Account Number | 10751 |
|---|---|
| Street Address | 976 S WATSON DR |
| City | CENTRE |
| State | AL |
| Zip | 35960-1704 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 3, BLOCK E, WEST HILLS S/D, PB 6/63 |
| Legal Block | E |
| Legal Lot Number | 3 |
| Jurisdiction | CHEROKEE AL |
| Minor Civil Division | CENTRE |
| Census Blockgroup | 4 |
| Census Block | 4012 |
| Census Tract | 955900 |
Source: Cherokee County records · APN 13-14-05-21-1-004-045.000
Assessment roll updated January 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 976 S WATSON DR, CENTRE, AL 35960-1704 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 976 S WATSON DR, CENTRE, AL 35960-1704 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2024 |
| Name | Verified Name |
|---|---|
| Address | 976 S WATSON DR, CENTRE, AL 35960-1704 |
| Document Number | 0000232768 |
|---|---|
| Date | Mar 12, 2024 |
| Instrument | 232768 |
| Name | ALABAMA TEACHERS CU |
|---|---|
| Type | Credit Union |
| Address | GADSDEN, AL 35901 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 01, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Type Change Date | Mar 01, 2034 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 9.75% |
| Index | Prime Rate |
| Margin | 1 |
| Max Rate | 12.7% |
Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Cherokee County |
| Municipality | Centre City |
| Unified School District | Cherokee County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $393.00 Homeowner's exemption | $9,500 (-) Land $520 Building $8,980 | $94,900 (-) Land $5,100 Building $89,800 |
| 2024 | $393.00 Additional exemption filed | $9,500 (-) Land $520 Building $8,980 | $94,900 (-) Land $5,100 Building $89,800 |
| 2023 | $393.00 Homeowner's exemption | $9,500 (-) | $94,900 (-) Land $5,100 Building $89,800 |
| 2022 | $393.00 Homeowner's exemption | $9,500 Land $520 Building $8,980 | $94,900 Land $5,100 Building $89,800 |
Source: FEMA National Flood Hazard Layer, Cherokee County (01019C), updated March 15, 2016 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone A |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Wildfire Risk | Moderate above 46% of the US · above 51% of Alabama |
|---|---|
| Wildfire Likelihood | About 1 in 1,149 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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